While credit cards can seem like a blessing at times when you urgently need a credit line, you might also find yourself trapped in a cycle of debt. If you’re carrying too much credit card debt, some of the problems you might be facing include damage to credit score and high-interest payments. Let us understand how to stay out of credit card debt with some simple rules: Buy as per cash at hand While a credit card does allow you a significant credit line, it is good to make purchases based on the available cash. If it is not an urgent requirement, you should be able to take care of the expense you’re making on plastic. That way, you’ll not be paying any interest if you pay the bills on time, and at the same time, you’ll be getting cashback, rewards, etc. on using the credit card. Get out of denial If you wish to foresee the danger that looms in the future, you must accept the problems around you in the present. If you feel that you’re in more debt than you can pay off in the near term, understand and fix the financials before the problems get bigger.

A savings account is the best way a student can inculcate the habit of saving money and gain financial knowledge. And for students looking to open their first savings bank account, here are some of the best student savings accounts in 2021.  CIT Bank – Savings builder account   The savings builder account from CIT bank is one of the best savings accounts for 2021. A student can earn an APY of up to 0.55 percent. The minimum deposit requirement is USD 100 if a student wants to open the savings account. If they wish to earn the maximum interest rate, they have two options – they can choose to deposit USD 25,000 or make a monthly deposit of USD 100. This would also help them build up savings for the future. PNC Bank – Virtual wallet student savings account The best part about this savings account is that a student needn’t pay any monthly fees. It offers several resources and tools to impart financial knowledge to students and has relationships with 50 major universities. With this savings account, a student can earn an APY of 0.01 percent. The minimum deposit requirements for the virtual wallet if the student savings account is USD 25.

A lot of people do not pay enough attention to their credit scores as they ought to. They go on spending without thinking about how it would affect their credit score, and even if they did, they do not know what causes the downfall of their scores. Let us take a look at why   these financial habits are dropping your credit score: Missing out on a payment Delaying your payment is bad, but it is nothing like completely missing out on a payment. When you do not pay your debt, it gets charged off. This means that it ultimately gets turned over to a collection agency. Recovering from a charged-off account is a lot more complicated than paying your debt with a delay. This is because the record of your negative activity stays on for seven years. Delaying your payment Let’s be honest; we all get late on a payment on a few occasions. Nobody’s perfect, and hectic schedules cause us to forget deadlines once in a while. When you are late on a payment by one day, immediately realize your delay and clear off the payment; it is not such a big deal. But if you are, let’s say, 30 days late, this would result in a report being registered with the credit agencies.

Buying a hot tub is always exciting for the family. Everyone cannot wait for it to get installed and are counting the days when they can come back after a rough day and relax in the new tub. But before any of this, you need to put some serious thought before buying one. Let us take a look at what to consider when buying a hot tub: Research on the brand When buying any product, we always take a look at the brand before making the purchaseThis is the only way to be sure that you are buying good quality products. Well-known brands have a reputation for providing the best service to their customers, so it is always better to go for a famous brand. Be sure of the seating One essential thing that you need to keep in mind, especially if you are living with your family, is how many people would be in the hot tub. Hot tubs come in different sizes and can accommodate right from 2 people to about nine people. If you are on a strict budget, you would have to set realistic expectations before reviewing hot tubs. Think about the jets It is often said that the jets’ quantity is not as important as the placement of the jets.

If your friend’s birthday is coming up and you’ve not yet decided what you wish to gift him or her, a gift box is a perfect alternative. You get a range of options, right from flowers, chocolates, fruits, etc. Let us have a look at the best gift box delivery services in the US: Harry & David Harry & David is certainly one of the best and the most popular choice for sending gift boxes to your loved ones in the US. They have a host of options, and you can select as per your budget and preference. You might even find some gift boxes under the price range of $30, although at around $99, you’ll get your hands on wholesome gift boxes that you can consider for your family and friends. There are some very elaborate gift boxes priced above $200 comprising chocolates, fruits, popcorn, cheese, and various other eatables. The gift boxes are very neatly done up, and they look premium and are sure to bring a smile to the face of your loved one on their special day. The service is on point, and you can leave it to them to deliver at the correct address at the right time.